State credit union · GAINESVILLE, Florida · NCUA charter #60497
FLORIDA
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $2.64B
- Total assets
- 177,623
- Members
- 12.7%
- Net-worth ratio
FLORIDA scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.64B; members 177,623; net-worth ratio 12.67%; health rank #492 of 4,374; healthier than 87th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#492 of 4,374 health · 2025Q4FLORIDA · health 94/100 · $2.64B · 2025Q4
- CHARTER 94/100
- NCUSIF 12.7%
- CAMELS 0.79%
- HEALTH 1.33%
- NW $2.64B
- DELQ 177,623
- ROA #492/4,374
- ASSETS HAWAIIUSA
- MEM 60497
Call Report peers
FLORIDA in the assets neighbourhood
FLORIDA's $2.64B assets sit next to HAWAIIUSA ($2.64B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FLORIDA vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
FLORIDA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60497, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where FLORIDA diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 95.91% here, 83.90% peer average (+12.01 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
FLORIDA: in-state Call Report ranks
- Health composite ranks #21 of 109 among scored Florida credit unions.
- By total assets, FLORIDA is #14 of 109 in Florida.
- Florida membership ordinal: #11 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for FLORIDA
FLORIDA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $2.64B (2025Q4) to $2.74B (2026Q1).
- Net-worth ratio shifted -0.11 pp (12.78% → 12.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.67% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 11.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.67% | +1.49 pp |
| Delinquency Rate | 0.79% | -0.08 pp |
| Return on Assets | 1.33% | +0.83 pp |
| Member Growth | 7.52% | - |
| Loan-to-Share Ratio | 95.91% | +12.01 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - FLORIDA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.74B | - |
| 2025Q4 | $2.64B | 177,623 |
| 2024Q4 | $2.29B | 165,207 |
| 2023Q4 | $2.11B | 152,456 |
Credit Union Details
- Charter Number
- 60497
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- GAINESVILLE
- Data Quarter
- 2025Q4
Branch Locations (16)
The NCUA branch filing lists 16 physical offices for FLORIDA, spread across 7 cities.
| Office | City |
|---|---|
| Fred Bear Corporate Office (Main Office) | Gainesville, FL |
| Belleview | Belleview, FL |
| Deland Branch | DeLand, FL |
| 43rd Street | Gainesville, FL |
| 13th Street | Gainesville, FL |
| Haile Branch | Gainesville, FL |
| 16th Street ATM | Gainesville, FL |
| Butler | Gainesville, FL |
| Fort Clarke Expansion | Gainesville, FL |
| Lake City | Lake City, FL |
| Ocala Branch | Ocala, FL |
| Silver Springs | Ocala, FL |
| Country Oaks | Ocala, FL |
| Maricamp | Ocala, FL |
| Starke Branch | Starke, FL |
| Trailwinds-Wildwood | Wildwood, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near FLORIDA
Cross-state asset and health neighbours for FLORIDA - kept outside Florida; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.64B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- FLORIDA ranks #492 of 4,374 nationally on financial health and #21 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PENAIR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PENAIR
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is FLORIDA financially healthy?
FLORIDA scores 94/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #492 of 4,374; by total assets it ranks #196 of 4,374 nationally (same basis as /rankings/largest); and #14 of 109 within Florida. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.67% net worth ratio and a 0.79% delinquency rate.
How does FLORIDA compare to other credit unions?
Five weighted metrics from NCUA filings produce FLORIDA's 94/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join FLORIDA?
Membership eligibility for FLORIDA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact FLORIDA directly for current membership requirements and application steps.
Is my money safe at FLORIDA?
Federal credit unions like FLORIDA are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. FLORIDA's net worth ratio of 12.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FLORIDA offer compared to banks?
Credit unions like FLORIDA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact FLORIDA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.